Mobile USSD Code For All Nigerian Banks Offline Financial Transactions

As they say, Old is Cool. The way technological advancement has affected our daily life today is so amazing.

Remember those days when we used meet daredevil queue in banking halls all to make a  deposit of  #1,000 ?

Or when the only way to recharge our phone is by physically purchasing and scratching a “recharge card”?

Those were good memories but technology has made everything a lot easier.

The introduction of USSD (Unstructured supplementary service data) to the Nigerian banking system has made it alot easier to transfer money and make payments anywhere you are.

Mobile USSD code allows anyone to make financial transactions without access to the internet.  Each bank in Nigeria has its specific code which can used by only their customers. The code can be used for inter and intra bank cash transfer, airtime recharge and Topup, Mini bank statements and lots more.  This post takes a look at the Mobile USSD codes for majority of Banks in Nigeria.

List Of Banks And Their Mobile USSD Code

  • Access Bank

Access bank mobile USSD code

Access Bank’s USSD code for mobile money transfer is *901#, Simply dial and follow the instructions thereafter.

  • CitiBank

Citibank mobile ussd codeCurrently do not have Mobile USSD code. We will keep you updated.

  • Diamond Bank

Diamond bank Mobile USSD Code

*710#, Diamond Bank mobile USSD code has been on the mobile money scene for a while and it was made popular with MTN Y’ello Mobile Account. To transfer money to any bank, simply dial *710# Recipient’s Account Number Amount*PIN# for Y’ello Account Holders. For Diamond Bank to Diamond Bank account money transfers, dial *710#Account Number Amount*PIN#

  • Ecobank

Ecobank Mobile USSD Code

Known as the Pan African bank, Ecobank’s Mobile USSD code is *326#. To transfer money from your Ecobank account, dial *326# and follow the on-screen instructions. Personally I think their USSD process sucks. No hard feelings dear Ecobank please you guys need to upgrade your mobile USSD process.

  • First Bank

First bank mobile ussd code

This bank pride itself as the oldest surviving bank in our banking history. One of the best Nigerian banks for electronic banking services, First Bank’s USSD code is *894#. To transfer money, dial *894#, a list of options will appear including Transfer money, Withdraw money and Make purchases, pay bills, buy airtime and manage account. To make transfer, type 1 and send. Simply follow the instructions after and make your transfer.

  • Fidelity Bank

Fidelity bank Mobile USSD code

The bank known for keeping their promises. Fidelity Bank USSD code is *770# then you get choose option one for further instructions. Fidelity Bank USSD money transfer code to other banks is *770#Recipient’s Account Number Amount#

  • First City Monument Bank (FCMB)


FCMB Mobile USSD Code

To use the FCMB USSD service, you have to visit any FCMB branch or call their customer care to get your PIN. Then dial *389# to register your details
To transfer money or do any other transaction after getting your PIN, simply dial *389*214# and follow the on screen instructions.

  • Guaranty Trust Bank (GTB)

GTBank Mobile USSD Code

Known for it’s youth friendliness, Guaranty Trust Bank is the leading bank in Nigeria in terms of electronic banking. They were one of the first to introduce Mobile USSD banking, GTBank’s USSD code is *737# and follow instructions e.g
To transfer money from your GTBank account to another GTBank account, just dial
*737*1#Amount Recipient’s Account Number# you would be requested to provide your personal pin which is like an access to your personal bank account

  • Heritage Bank

Heritage Bank Mobile USSD Code

The USSD code for transfer for Heritage Bank is *322# then follow instructions as seen.

  • Keystone Bank

Keystone Mobile USSD code

I don’t know much about this bank, but i know it was once called bank PHB. Keystone Bank mobile USSD code for transfer is *533# Follow the on-screen command, Get your PIN and start using Keystone bank mobile USSD banking.

  • Skye Bank


Skye Bank Mobile USSD Code

Skye Bank’s USSD mobile code is *833# and to transfer, all you need to do is dial *833# from your mobile phone and follow the instructions. You can choose whether you want to open an account or hotlist your ATM card or update your BVN number.

  • Sterling Bank

Sterling Bank Mobile USSD code

The USSD mobile banking code Sterling Bank is *822#. To perform a transfer, simply dial *822# and follow the instructions. USSD Mobile banking from Sterling Bank attracts a service fee of #5  and this will be  from your airtime.

  • Stanbic IBTC


Stanbic IBTC Mobile USSD Code

For Stanbic IBTC Mobile USSD code, just dial *909# and follow the onscreen instructions.

  • Standard Chartered Bank

Standard Chartered Bank Mobile USSD Code

Standard Chartered is yet to roll out their USSD code and Mobile phone airtime recharge code. You will keep you posted once they have.

  • United Bank for Africa (UBA)

UBA Mobile USSD Code

Also known as magic banking, UBA mobile USSD code is *919#, dial it and follow the on-screen instructions that follow. So easy to understand.

  • Unity Bank

Unity bank mobile ussd code

Unity Bank has rolled out the first four-digit code USSD banking code to make banking services much easier for its customers. It Mobile USSD is *7799# To buy airtime using Unity Bank *7799#and follow the on screen instruction.

  • Union Bank

Union bank mobile USSD Code

Union Bank mobile USSD transfer code is *826#, dial and follow the screen prompts to complete your transaction.

  • Wema Bank

Wema bank mobile USSD Code

This Bank is relatively new to the mobile USSD banking but they offer a good USSD service. One thing i find interesting about Wema Bank USSD code is that once you dial *945# to transfer money with Wema Bank, a list of options will appear including Open Account, My Balance, Send Money, Buy Airtime and Cash-on-the-go, Pay Bills, Change PIN, etc Reply with “3” which is for transfer, you will then be asked to choose whether it is to a Wema Bank Account or other banks. Reply with the corresponding number and simply keep on following the on-screen instructions.

  • Zenith Bank

Zenith Bank Mobile USSD Code

This tech savvy Bank’s Mobile Banking USSD code is *966# and it gives you access to open an account, check account balance, load recharge cards and transfer money.
To transfer money from your Zenith Bank account to another, dial *966#Amount*Recipient’s Account Number# and follow the instructions on the screen.

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